BearCrest loan program
No Minimum Credit Score Program
An equity-focused bridge-loan option for real estate investors whose credit challenges make conventional financing difficult.
Start an applicationThe BearCrest advantage
Financing options built around your opportunity.
We offer an equity-focused bridge-loan program with no minimum credit score for qualified real estate investors. It is often used for foreclosure bailouts or when challenging credit makes a purchase or refinance difficult. Financing is generally limited to 65% loan-to-value, and we review cash-out requests case by case.
Who it’s for
Investors with a turnkey property, substantial equity, and a clear exit plan who need financing for a purchase, refinance, cash-out request, or foreclosure-bailout situation.
What we offer
A financing path built around the project.
- No minimum credit score for qualified transactions
- May be used for foreclosure bailouts, purchases, and refinances
- Cash-out requests are evaluated case by case
- Strong property equity and a credible exit strategy are central to qualification
What we can consider
Where this program can fit.
- Consider qualified borrowers without a minimum credit score requirement
- Review foreclosure-bailout and other time-sensitive refinance situations
- Finance eligible turnkey-property purchases and refinances
- Consider cash-out case by case based on the property, equity, and transaction
- Review loan requests generally up to approximately $1 million
Important limitations
What borrowers should know.
- Financing is generally limited to 65% loan-to-value
- The property must be in turnkey condition and meet current program guidelines
- A clear, realistic, and time-bound exit strategy is required
- Cash-out and final loan proceeds are determined case by case
- Financing is not guaranteed to stop a scheduled foreclosure sale
The process
From opportunity to a clear financing plan.
- 01
Tell us the immediate financing need and any important deadline
- 02
Share the property’s condition, current value, and existing debt
- 03
Explain the plan and timing for repayment, sale, or permanent financing
- 04
We evaluate the equity and structure the available bridge option
Important to know
Foreclosure situations are time-sensitive. Contact us as early as possible; all terms remain subject to property eligibility, BearCrest underwriting, current program guidelines, and final approval.
Have a property in mind?
Tell BearCrest about the property, the project, and what you want to accomplish.
Apply for No Minimum Credit Score Program